P@W

Calculate Your Philippine Net Salary — Free & Accurate

Instantly see your take-home pay after tax, PhilHealth, SSS/GSIS, and Pag-IBIG deductions

Powered by the latest 2024–2026 BIR tax tables and government-mandated rates. Supports private employees (SSS) and government employees (GSIS). No sign-up, no data collected — 100% private.

Calculate My Net Salary Free

What We Offer

Comprehensive tools to help you understand your salary, deductions, and take-home pay

Salary Calculator

Instantly compute your net salary with all mandatory deductions included.

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Contributions Guide

View detailed contribution tables for SSS, PhilHealth, and Pag-IBIG.

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Tax Brackets

Understand Philippine withholding tax rates and income brackets.

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For All Workers

Whether employee or freelancer, get accurate salary computations.

Free & Accessible

How It Works

Enter Your Gross Salary

Input your monthly gross salary (before any deductions) in the calculator.

Automatic Calculations

Our system automatically computes your income tax, PhilHealth, SSS, and Pag-IBIG contributions using the latest rates.

Get Detailed Breakdown

View your net salary (take-home pay) along with a complete breakdown of all deductions.

Important Disclaimer

Please read this carefully before using our calculator:

For Reference Only: The calculations provided on this website are for informational and reference purposes only. They should not be used as the sole source for official payroll accounting.
Not Professional Advice: This tool does not constitute professional financial, legal, or tax advice. Always consult with qualified professionals for your specific situation.
Verify with Authorities: For official payroll processing, please verify all calculations with the Bureau of Internal Revenue (BIR), SSS, PhilHealth, and Pag-IBIG Fund, or consult with your employer's HR department.
Rates May Change: Tax rates and contribution tables are updated based on government regulations. While we strive to keep our information current, always verify with official sources.
No Liability: We do not accept any liability for decisions made based on the information provided by this calculator. Use at your own discretion.

By using this website and its tools, you acknowledge that you have read, understood, and agree to these terms and disclaimers.

Frequently Asked Questions

How is Philippine income tax computed?+

Under the TRAIN Law, income tax is graduated. The first ₱250,000 of annual income is tax-free. Income from ₱250,001 to ₱400,000 is taxed at 15%, ₱400,001–₱800,000 at 20%, and so on up to 35% for income above ₱8,000,000. The monthly withholding tax is the annual tax divided by 12.

What is the SSS contribution rate in 2024–2026?+

SSS uses a bracket-based table. The employee share is 4.5% of the monthly salary credit, while the employer contributes 9.5%. The total contribution rate is 14%, with a minimum of ₱135 and a maximum of ₱900 for employees (based on the latest schedule).

How much is PhilHealth contribution?+

PhilHealth contributions are 5% of the monthly basic salary, split equally — 2.5% from the employee and 2.5% from the employer. The minimum monthly premium is ₱500 (₱250 per side) and the maximum is ₱5,000 (₱2,500 per side) based on 2024–2026 rates.

What is the Pag-IBIG (HDMF) contribution?+

For monthly compensation of ₱1,500 and below, the employee contribution is 1%. For above ₱1,500, it is 2%, capped at a maximum employee share of ₱100 per month. Employers match the employee contribution.

Is the 13th month pay taxable in the Philippines?+

The first ₱90,000 of the 13th month pay and other bonuses is tax-exempt. Any amount above ₱90,000 is subject to withholding tax.

Is my salary data safe when I use this calculator?+

Yes — all calculations happen directly in your browser. No data is sent to any server. Pinoy at Work does not collect, store, or transmit any personal or financial information.

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